Home Equity

Your goals, your equity, your way

Prime + 0% for the life of the loan¹

Apply now

Today's best rate is an Owner-Occupied HELOC at 6.750% APR¹

Your choice—a lump-sum loan or flexible line of credit

Tap equity from your owner-occupied, second-home, or investment property

Remodel your home, pay for college, consolidate debt—anything you want

Borrow up to 80% of your home's equity at a low rate. This example shows you how much could be available:

Your home is valued at $2 million (80% = $1,600,000)

Your mortgage balance is $600,000

You can borrow up to $1 million ($1,600,000 - $600,000)

Put your home's equity to work with a loan or line of credit

Think of the time and money spent owning your home. It's time you were paid back. Get a home equity line of credit (HELOC) or a fixed-rate home equity loan at an affordable rate so you can take on your next big project—whatever that might be.

Prime + 0% rate for the life of the loan with variable rates as low as 6.750% APR¹
Easy to apply, easy to get approved
No points, no annual fee, no lender fees (some third-party fees will apply)
With our HELOC, you owe nothing until you use it
Access cash for 10 years, repay everything within 30 years (owner-occupied property only)
You can refinance an existing HELOC to Standard Credit Union, too
Pull equity from an existing second home or investment property (maximum 75% CLTV) for a HELOC up to $400,000 (10-year draw period and 10-year repayment period)²
Finance a California ADU (granny flat, in-law unit, backyard cottage) on your owner-occupied property and lock in a 5.750% APR fixed rate for the first 12 months³